What has residency to do with that? A Thai SIM card is a SIM card from a Thai company, like AIS, TRUE, DTAC. When he got his SIM card it did not get registered on his name. So, now he has a SIM card on someone else's name and a bank account on his name.
And since about a month, the banks are trying to get their records straight.
And how do you get the cash if you have no bank account to withdraw from? Ah ... ATM, with a "insert your country" credit card. With bad exchange rate, foreign country fee, an ATM fee of your home bank ... and an ATM fee of the owner of the aTM ...
So, you try to cut down expenses and always draw the maximum of 20k to 30k ... roughly once a month, right? And bottom line the fees add up to 500THB per cash withdrawel ... that is 6k THB per year. Which translates to 6 times going out with my GF in a medium expensive restaurant ...
And then ... how do you pay your electricity, internet, phone ...
Oh, with cash at
****
???
Well, I personally rather have a bank account. A mobile app. Click on "top up", or on "pay bill" the banking app knows everything ... depending on service, e.g. electricity from the government: it even knows my bill ... I only have to click/tab: OK, Confirm ... DONE. The fact that I paid is automatically screen shotted into my picture gallery on my phone. It is even by default in an Album.
DTV holders are not Travelers, you expert. They are pseudo residents in Thailand.
Is it? As far as I know/perceive: there are no changes at all since 2016. That is clearly documented.
It is up to the branch, for what ever reason, to accept a foreigner or not accept him - for what ever reason - disclosed or not, on what ever visa, or lack there off, like a visa excempt.